Types of patio locks

If you’re looking to save money on your home insurance, it’s a good idea to get the right locks fitted.

When applying for a home insurance policy, insurers will ask what lock types you have on any outside doors or patio windows.

In some cases, you’ll get a discount off the normal premium if your property has a higher degree of security.

But beware that, in some areas, if you don’t have the right locks, the price of cover may increase.

Patio door locks

During your home insurance application process, you’ll be asked what kind of locks you have on your patio doors to help providers assess your property’s security levels.

There are three main options. If you don’t have any of these, choose “other lock type” – and consider getting your security upgraded.

Top and bottom key-operated lock

This is the most basic patio door lock.

 

Central rail key-operated lock

This is a multi-point locking system that's fitted to the central rail where the doors overlap.

It offers greater security to basic key-operated locks.

 

Key-operated multi-point locking system

This is a rim-locking system that bolts the patio door into the frame and offers a higher level of security.